After nationalization, Sense Bank intends to maintain the bank's leading position in the securities market and be ready for its development after the National Bank of Ukraine (NBU) lifts the existing restrictions, in particular the ban on the purchase of foreign securities, acting head of the board of the financial institution Olena Zubchenko said.

“Now, based on restrictions, we cannot fully implement this. We are waiting for the National Bank to soften the requirements, and we will definitely do this. Therefore, we consider capital markets in our strategy as a separate business line,” she said in an interview with the agency Interfax-Ukraine.

Zubchenko emphasized that before the full-scale invasion, this was a very powerful and interesting direction in the bank, which allowed its clients through the application to legally acquire and manage a portfolio of foreign securities, such as Google or Apple, taking them into account in the National Depository of Ukraine.

"Another powerful business line that pleasantly surprised me at the bank is working with non-performing loans ... What I saw here is a model of a separate business. The bank still has powerful expertise and technologies for working with NPL portfolios: from the very beginning until the loan is repaid,” the banker said.

“In very few places have I seen a truly effective model that can calculate all stages of the process, taking into account portfolio management until the sale of assets. Therefore, in my opinion, this business line must be preserved,” Zubchenko added.

According to her, Sense Bank is ready to share its expertise with other state banks, since the issue of effective management of problem assets is very important, including within the framework of cooperation with the International Monetary Fund (IMF).

“We also have very high-tech scoring and monitoring models for problem portfolios of individuals,” she added.

She concluded that, in her opinion, working with distressed assets should remain a separate business area of Sense Bank.

Speaking about other areas of business that were in the banking group of the Ukrainian Alfa Bank before its nationalization, Zubchenko reported on the analysis of leasing and car lending.

“We are calculating the financial model and risk appetite. I think that somewhere in the early summer we will have a full understanding of whether we should enter into this or not. Plus, we will need to look at the results of the first quarter in order to understand and carefully calculate everything,” she explained.